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Protocol Architects

The Core Team Behind OwnPay
Engineering Non-Custodial Payment Rails

System architects, smart contract engineers, and distributed systems specialists committed to building durable financial infrastructure on Base.

Founders' Message (Founder & Co-Founder Message) • OwnPay Protocol

“OwnPay was built with an uncompromising conviction: payment rails in the era of artificial intelligence must be non-custodial, instantaneous, and radically cost-effective. Legacy card networks impose 3% tolls on merchants and lock autonomous software out of commerce. By uniting sub-second finality on Base L2, BNB Chain, Solana and multi chain with policy-governed smart vaults, OwnPay gives both human merchants and autonomous AI agents sovereign, programmable financial infrastructure.”

— Iktiar Shovo (Founder) & Jubaidul Islam (Co-Founder), OwnPay Non-Custodial Multi-Chain Rails
MD Iktiar Alam Chowdhury

MD Iktiar Alam Chowdhury

Founder & Lead Architect

Lead systems engineer directing the OwnPay non-custodial gateway, dual-rail human + AI settlement engine, and Base L2 smart account architecture. Passionate about eliminating predatory merchant interchange fees through cryptographic finality.

Base L2 (8453) Smart Accounts (ERC-4337) TypeScript / Node.js Distributed Systems Payment Rails
Jubaidul Islam

Jubaidul Islam

Co-Founder & Head of Growth & Operations

Web3 growth strategist and community operations leader with 4+ years of proven track record scaling crypto ecosystems. Bringing operational excellence and user acquisition leadership from Legion.cc, ILuminaryAI (non-custodial multi-chain AI wallet), and QnA3.AI (10M+ users, Solana partnership). Leading merchant onboarding, community engagement, and institutional growth for OwnPay.

Community Growth (4+ yrs) Web3 BD & Partnerships Operations Management QnA3.AI & Legion.cc User Acquisition Merchant Onboarding

Core Security & AI Systems

Protocol Engineering & MCP Rails

Developing the HTTP 402 machine negotiation pipeline, Model Context Protocol (MCP) server tools, and cryptographic replay-defense mechanisms for high-frequency AI autonomous wallets.

HTTP 402 Protocol Model Context Protocol HMAC Security EVM Cryptography Alchemy WebSockets

We Are Looking for Long-Term Builders

“Different expertise. Different perspectives. One shared long-term mission: building a durable financial platform where businesses, developers, and partners compound value together.”

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